Thank you everyone for all of your guys advice. I truly appreciate everyone taking the time out of their day. I do have one extra little question... - So we have our 401K figured out. - We are planning on each doing Roth IRAs and will be setting those up Friday (our next day off) Any ideas on inves...

You can transfer Vanguard mutual funds "on line". It's very easy. I would suggest you get onto your Vanguard account & play around with it to become familiar with how it works. I'm not suggesting you switch out of Wellington, just figure out what things you can do. You can put your cash in the Vang...

@sandtrap, Thank you! I am a big fan of those high yield interest accounts, and will start looking into those laddered CDs and treasuries. @lostdog,I definitely feel that being such a saver had given me a better measure of security than most; many of my colleagues are "grinning and bearing it" where...

Looks good. I make a similar amount and roughly similar number. Curious though, is that all saved from your current income? or did you acquire any assets from family? 200k saved by 28 on 60-70k is impressive. Either way, doing very very well. Congrats to you too trojans! The majority of this is my ...

You're doing amazingly well! 1. I agree that you don't need to buy a house at this stage. You want to maintain flexibility to move for a job, plus home ownership will come with lots of expenses you don't need. 2. Yeah, you're really cash heavy, especially given your very low level of expenses. Star...

Questions: 1. Am I holding too much cash? I know that inflation will chip away at the value of my dollars every year, but I also am unsure where to hold my potential home down payment (should I choose to pull that trigger) since the rate of return on various bank's CDs is roughly the same as my hig...

I worked in South Korea and slept on the floor on a futon mattress since I didn't want to buy furniture for a year-long contract - then the giant bugs of summer came around and invaded my apartment. Lesson learned - if you sleep on the floor everyday, you also MUST fold up and store your futons ever...

Hi there, Bogleheads! It's been a little over three years since I first joined these forums, and I've really learned a lot from everyone (primarily from lurking - hah!). My personal situation has changed a lot from when I first posted at age 25 https://www.bogleheads.org/forum/viewtopic.php?t=162813...

Hi there, A +1 on taking Highway 1, absolutely beautiful scenery! If you stop in Santa Cruz I'd check out Natural Bridges for beaches, and UC Santa Cruz for the forest and funky 60's college vibe. Downtown Santa Cruz has a lot of neat little shops. If you go to San Jose and want to visit the arena, ...

Buying comfortable and durable shoes. I work in a professional environment, so finding women's shoes that are office appropriate, of good quality, and comfortable is challenging. My go to are Italian leather shoes, which I resole for years until my cobbler says to let them go. I consider the saved b...

My perspective will be as a recent graduate, not a parent. I went to a public, in-state University that wasn't top-ranked nationally but had solid offerings and a price I could afford without taking out anything higher than a low-five figure amount of debt. I also got into schools that are regularly...

@BL, thank you for the "If You Can" pdf file. It is very helpful and I plan on going down to the library this weekend to do the assigned reading and have read the Wiki on the 3 fund portfolio. I agree that the American Funds account has a high ER. It was my first purchase fresh out of college and I ...